{"id":2632,"date":"2019-05-22T12:05:32","date_gmt":"2019-05-22T10:05:32","guid":{"rendered":"http:\/\/www.businessmantoday.us\/?p=2632"},"modified":"2019-05-22T12:05:32","modified_gmt":"2019-05-22T10:05:32","slug":"jak-zarzadzac-nieruchomoscia-zagrozona","status":"publish","type":"post","link":"http:\/\/www.businessmantoday.us\/pl\/jak-zarzadzac-nieruchomoscia-zagrozona\/","title":{"rendered":"Jak zarz\u0105dza\u0107 nieruchomo\u015bci\u0105 zagro\u017con\u0105?"},"content":{"rendered":"<p><strong>W nieruchomo\u015bci warto inwestowa\u0107, jednak trzeba bra\u0107 pod uwag\u0119 ryzyka i obserwowa\u0107 zachodz\u0105ce na rynku zmiany. <\/strong><\/p>\n<p><strong>Zaci\u0105gaj\u0105c d\u0142ugoterminowy kredyt nale\u017cy pami\u0119ta\u0107, \u017ce jego sp\u0142ata nie b\u0119dzie dla nas jednakowym obci\u0105\u017ceniem na\u00a0przestrzeni lat. W sytuacji, gdy pojawiaj\u0105 si\u0119 problemy z p\u0142ynno\u015bci\u0105 finansow\u0105, a nieruchomo\u015b\u0107 staje si\u0119 zagro\u017conym aktywem zarz\u0105dzanie ni\u0105 wymaga wiedzy i do\u015bwiadczenia. Na polskim rynku w\u0142a\u015bnie rozwija si\u0119 us\u0142uga, dzi\u0119ki kt\u00f3rej trudn\u0105 nieruchomo\u015b\u0107 mo\u017cna wyprowadzi\u0107 na prost\u0105, z\u00a0korzy\u015bci\u0105 zar\u00f3wno dla w\u0142a\u015bciciela, jak i dla banku.<\/strong><\/p>\n<p>Ryzyko kredytowe, nadmierne lewarowanie i utrata p\u0142ynno\u015bci finansowej to podstawowe czynniki, kt\u00f3re mog\u0105 doprowadzi\u0107 nawet atrakcyjn\u0105 nieruchomo\u015b\u0107 do statusu zagro\u017conej. W Polsce najcz\u0119\u015bciej stosowan\u0105 praktyk\u0105 jest przekazanie takiego obiektu czy lokalu w r\u0119ce komornika (nieruchomo\u015b\u0107) lub syndyka (sp\u00f3\u0142ka w\u0142adaj\u0105ca nieruchomo\u015bci\u0105). Jak m\u00f3wi Maja Biesiekierska, Head of Advisory and Asset Management, Prelios Real Estate Advisory Sp. z.o.o, firmy zajmuj\u0105cej si\u0119 m.in. zarz\u0105dzaniem aktywami zagro\u017conymi, s\u0105 mo\u017cliwo\u015bci uratowania takiej nieruchomo\u015bci poprzez dzia\u0142ania restrukturyzacyjne.<\/p>\n<p>\u2013 <em>Zakup nieruchomo\u015bci wi\u0105\u017ce si\u0119 z ryzykiem, na kt\u00f3re mamy ograniczony wp\u0142yw, a co gorsza zazwyczaj nie mo\u017cemy go przewidzie\u0107. Dlatego powsta\u0142a specjalna us\u0142uga, skrojona na potrzeby XXI wieku, asset management nieruchomo\u015bci trudnych. Na Zachodzie, specjalist\u00f3w w tej dziedzinie cz\u0119sto zatrudniaj\u0105 same banki. W\u0142a\u015bnie w ramach takiego zlecenia zajmowa\u0142am si\u0119 portfelami kredyt\u00f3w zagro\u017conych dla Lehman Brothers. Zdobyte do\u015bwiadczenie oraz potrzebna wiedza pozwala mi w\u00a0ramach firmy Prelios proponowa\u0107 tak\u0105 us\u0142ug\u0119 klientom na polskim rynku \u2013 <\/em>dodaje Maja Biesiekierska.<\/p>\n<p><strong>Ryzyko dla nieruchomo\u015bci<\/strong><\/p>\n<p>Mianem aktywa zagro\u017conego okre\u015blana jest nieruchomo\u015b\u0107 zabezpieczaj\u0105ca kredyt, kt\u00f3ra drastycznie straci\u0142a na warto\u015bci w wyniku rzeczywistych lub potencjalnych strat spowodowanych wzrostem ryzyk: kredytowego, utraty p\u0142ynno\u015bci finansowej oraz zmiany sytuacji rynkowej. Znanym i\u00a0mocno nag\u0142o\u015bnionym medialnie przypadkiem jest sp\u0142ata kredyt\u00f3w, kt\u00f3re zaci\u0105gni\u0119te by\u0142y we\u00a0frankach szwajcarskich. Wzrost warto\u015bci waluty drastycznie odbi\u0142 si\u0119 na portfelach os\u00f3b zarabiaj\u0105cych w z\u0142ot\u00f3wkach. Natomiast zagro\u017ceniem, z kt\u00f3rym musz\u0105 zmierzy\u0107 si\u0119 przedsi\u0119biorcy lokuj\u0105cy swoje fundusze w nowych inwestycjach jest trudno\u015b\u0107 wyj\u015bcia z zaci\u0105gni\u0119tych zobowi\u0105za\u0144. Skutkiem tego mo\u017ce by\u0107 wymuszona sprzeda\u017c aktywa \u2013 zwykle znacznie poni\u017cej warto\u015bci rynkowej. Z\u00a0podobn\u0105 strat\u0105 musz\u0105 si\u0119 liczy\u0107 osoby prywatne, kt\u00f3re zmiany na rynku zmusi\u0142y do odsprzedania nieruchomo\u015bci w niekorzystnej cenie.<\/p>\n<p><strong>Zarz\u0105dzanie nieruchomo\u015bci\u0105 zagro\u017con\u0105<\/strong><\/p>\n<p>Losy nieruchomo\u015bci, kt\u00f3ra jest nierentowna nie s\u0105 przes\u0105dzone. Trzeba tylko we w\u0142a\u015bciwym momencie zwr\u00f3ci\u0107 si\u0119 o pomoc do specjalist\u00f3w, kt\u00f3rzy po zapoznaniu si\u0119 z jej histori\u0105 i \u017ar\u00f3d\u0142em problemu doprowadz\u0105 do restrukturyzacji lub repozycjonowania nieruchomo\u015bci.<\/p>\n<p>\u2013 <em>Zarz\u0105dzanie nieruchomo\u015bci\u0105 to nie tylko suche dane, to przede wszystkim spos\u00f3b my\u015blenia i\u00a0patrzenia na ni\u0105 z szerszej perspektywy. Np. budynek na peryferiach miasta niekoniecznie jest dobrym miejscem na siedzib\u0119 banku, natomiast idealnym na tani hotel, dla os\u00f3b odwiedzaj\u0105cych stolic\u0119 w celach turystycznych<\/em> \u2013 t\u0142umaczy Maja Biesiekierska. Dodaje: <em>Do\u015bwiadczenie pokazuje, \u017ce jest szereg zabieg\u00f3w, kt\u00f3re mo\u017cna wykona\u0107, kt\u00f3re np. zwi\u0119ksz\u0105 stop\u0119 zwrotu dla inwestor\u00f3w, a\u00a0co za tym idzie wyprowadz\u0105 nieruchomo\u015b\u0107 z trudno\u015bci. Ciesz\u0119 si\u0119, \u017ce mo\u017cemy zaproponowa\u0107 t\u0119 unikaln\u0105 us\u0142ug\u0119 polskim klientom, poniewa\u017c dla wielu jest to du\u017ce wsparcie w prowadzonych biznesach.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>W nieruchomo\u015bci warto inwestowa\u0107, jednak trzeba bra\u0107 pod uwag\u0119 ryzyka i obserwowa\u0107 zachodz\u0105ce na rynku zmiany. Zaci\u0105gaj\u0105c d\u0142ugoterminowy kredyt nale\u017cy pami\u0119ta\u0107, \u017ce jego sp\u0142ata nie b\u0119dzie dla nas jednakowym obci\u0105\u017ceniem na\u00a0przestrzeni lat. W sytuacji, gdy pojawiaj\u0105 si\u0119 problemy z p\u0142ynno\u015bci\u0105 finansow\u0105, a nieruchomo\u015b\u0107 staje si\u0119 zagro\u017conym aktywem zarz\u0105dzanie ni\u0105 wymaga&#8230;<\/p>\n","protected":false},"author":17,"featured_media":2442,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[45,46],"tags":[149],"class_list":["post-2632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanse","category-inwestycje","tag-prelios"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Jak zarz\u0105dza\u0107 nieruchomo\u015bci\u0105 zagro\u017con\u0105? | Businessman Today<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.businessmantoday.us\/pl\/jak-zarzadzac-nieruchomoscia-zagrozona\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak zarz\u0105dza\u0107 nieruchomo\u015bci\u0105 zagro\u017con\u0105? | Businessman Today\" \/>\n<meta property=\"og:description\" content=\"W nieruchomo\u015bci warto inwestowa\u0107, jednak trzeba bra\u0107 pod uwag\u0119 ryzyka i obserwowa\u0107 zachodz\u0105ce na rynku zmiany. 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